Financial Ratios Standard Chartered PLC

Equities

STAN

GB0004082847

Banks

Real-time Estimate Cboe Europe Other stock markets 05:06:42 2026-04-13 am EDT			5-day change	1st Jan Change
1,693.40 ^GBX	-2.12%		+7.33%	-7.31%

02:26am	Washington raises the stakes
09:57pm	HSBC, StanChart-led JV Granted Hong Kong Stablecoin Licences	MT

beae066bc0878d3eeef6.c9_fhA-o4O9j_scV2FlXvc8Xf7GZxseci1gENbYsW_Q.RIrvzHndioElmKBmkRUnhaR4Lsv1pJfeuw1KYo9mFMY9srTeVuSL2zy9hg

Published financial data: STANDARD CHARTERED PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	10.25B	15.25B	27.23B	27.86B	24.55B
Interest Income, Total	10.25B	15.25B	27.23B	27.86B	24.55B
Interest On Deposits	3.45B	7.66B	19.46B	21.5B	18.59B
Interest Expense, Total	3.45B	7.66B	19.46B	21.5B	18.59B
Net Interest Income	6.8B	7.59B	7.77B	6.37B	5.96B
Income From Trading Activities	3.43B	5.31B	6.29B	9.62B	10.29B
Gain (Loss) on Sale of Assets	859M	363M	389M	-187M	375M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-143M	-515M	-965M	-237M	-10M
Total Other Non Interest Income	3.46B	3.26B	3.67B	3.99B	4.33B
Non Interest Income, Total	7.6B	8.42B	9.39B	13.18B	14.99B
Revenues Before Provison For Loan Losses	14.4B	16.01B	17.16B	19.54B	20.94B
Provision For Loan Losses	263M	838M	528M	557M	676M
Total Revenues	14.14B	15.17B	16.63B	18.99B	20.27B
Salaries And Other Employee Benefits	7.17B	7.34B	7.92B	7.99B	8.6B
Occupancy Expense	1.57B	1.19B	1.07B	1.13B	1.17B
Selling General & Admin Expenses, Total	1.86B	2.31B	2.45B	3.2B	3.42B
(Income) Loss on Equity Invest.	-196M	-156M	-141M	-108M	-62M
Total Other Non Interest Expense	-	-	-	-	-
Non Interest Expense, Total	10.4B	10.68B	11.3B	12.21B	13.13B
EBT, Excl. Unusual Items	3.74B	4.49B	5.33B	6.78B	7.13B
Restructuring Charges	-336M	-115M	-114M	-176M	-107M
Impairment of Goodwill	-	-14M	-	-	-
Asset Writedown	-55M	-79M	-130M	-588M	-63M
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	10M	-	-
EBT, Incl. Unusual Items	3.35B	4.29B	5.09B	6.01B	6.96B
Income Tax Expense	1.03B	1.38B	1.63B	1.97B	1.87B
Earnings From Continuing Operations	2.31B	2.9B	3.46B	4.04B	5.1B
Net Income to Company	2.31B	2.9B	3.46B	4.04B	5.1B
Minority Interest	2M	46M	7M	8M	-12M
Net Income - (IS)	2.32B	2.95B	3.47B	4.05B	5.08B
Preferred Dividend and Other Adjustments	410M	401M	452M	457M	527M
Net Income to Common Incl Extra Items	1.9B	2.55B	3.02B	3.59B	4.56B
Net Income to Common Excl. Extra Items	1.9B	2.55B	3.02B	3.59B	4.56B
Per Share Items
Net EPS - Basic	0.61	0.86	1.09	1.41	1.95
Basic EPS - Continuing Operations	0.61	0.86	1.09	1.41	1.95
Basic Weighted Average Shares Outstanding	3.11B	2.97B	2.78B	2.54B	2.33B
Net EPS - Diluted	0.6	0.84	1.06	1.38	1.9
Diluted EPS - Continuing Operations	0.6	0.84	1.06	1.38	1.9
Diluted Weighted Average Shares Outstanding	3.15B	3.02B	2.84B	2.61B	2.4B
Normalized Basic EPS	0.75	0.96	1.2	1.67	1.91
Normalized Diluted EPS	0.74	0.94	1.17	1.63	1.85
Dividend Per Share	0.12	0.18	0.27	0.37	0.61
Payout Ratio	33.87	26.93	29.4	30.54	29.12
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	30.89	32.29	32.02	32.79	26.8
Current Domestic Taxes	9M	48M	-34M	17M	7M
Current Foreign Taxes	870M	1.22B	1.68B	1.74B	1.83B
Total Current Taxes	879M	1.27B	1.65B	1.76B	1.84B
Total Deferred Taxes	155M	115M	-19M	211M	31M
Normalized Net Income	2.34B	2.85B	3.34B	4.24B	4.45B
Non-Cash Pension Expense	-2M	5M	16M	10M	69M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	167M	199M	226M	334M	399M
Total Stock-Based Compensation	167M	199M	226M	334M	399M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	90.47B	70.78B	101B	83.42B	88.42B
Investment Securities, Total	254B	264B	260B	244B	264B
Trading Asset Securities, Total	100B	104B	116B	173B	177B
Total investments	354B	368B	376B	417B	441B
Gross Loans	315B	310B	284B	289B	300B
Allowance For Loan Losses	-5.68B	-5.49B	-5.19B	-4.92B	-4.08B
Net Loans	310B	304B	279B	284B	296B
Gross Property Plant And Equipment	9.02B	8.71B	4.43B	4.85B	5.39B
Accumulated Depreciation	-3.4B	-3.19B	-2.16B	-2.43B	-2.83B
Net Property Plant And Equipment	5.62B	5.52B	2.27B	2.42B	2.56B
Goodwill	2.6B	2.47B	2.43B	2.39B	2.42B
Other Intangibles, Total	2.88B	3.4B	3.78B	3.4B	3.81B
Other Receivables	766M	503M	484M	663M	574M
Restricted Cash	17.37B	21.69B	16.49B	18.84B	24.5B
Other Current Assets, Total	7.44B	10.04B	9.17B	9.62B	10.72B
Deferred Tax Assets Long-Term (Collected)	859M	834M	702M	414M	493M
Other Real Estate Owned And Foreclosed	11.8M	14.9M	16.5M	23.7M	-
Other Long-Term Assets, Total	35.77B	32.59B	31.91B	27.07B	48.66B
Total Assets	828B	820B	823B	850B	920B
Liabilities
Accrued Expenses, Total	4.71B	5.98B	7.08B	7.03B	7.6B
Interest Bearing Deposits	515B	503B	517B	514B	583B
Total Deposits	515B	503B	517B	514B	583B
Short-Term Borrowings	119B	124B	110B	128B	112B
Current Portion of Long-Term Debt	34.2B	32.38B	27.81B	31.28B	33.78B
Current Portion of Leases	293M	272M	248M	279M	292M
Long-Term Debt	49.34B	51.15B	57.59B	57.44B	63.92B
Long-Term Leases	894M	765M	810M	877M	926M
Current Income Taxes Payable	348M	583M	811M	726M	709M
Other Current Liabilities - (Bank / Utility Template)	41.52B	42.93B	43.67B	51.43B	54.58B
Pension & Other Post Retirement Benefits	210M	146M	183M	266M	323M
Deferred Tax Liability Non-Current	800M	769M	770M	567M	752M
Other Non Current Liabilities	8.57B	8.03B	7.33B	7.22B	7.47B
Total Liabilities	775B	770B	772B	798B	865B
Preferred Stock Redeemable	75K	75K	75K	75K	75K
Preferred Stock - Others	1.49B	1.49B	1.49B	1.49B	1.49B
Total Preferred Equity	1.49B	1.49B	1.49B	1.49B	1.49B
Common Stock, Total	1.54B	1.45B	1.33B	1.21B	1.13B
Additional Paid In Capital	3.99B	3.99B	3.99B	3.99B	3.99B
Retained Earnings	27.18B	28.07B	28.46B	28.97B	29.57B
Comprehensive Income and Other	18.06B	14.67B	14.68B	15.23B	17.93B
Total Common Equity	50.77B	48.17B	48.46B	49.4B	52.63B
Minority Interest	371M	350M	396M	394M	465M
Total Equity	52.64B	50.02B	50.35B	51.28B	54.59B
Total Liabilities And Equity	828B	820B	823B	850B	920B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.06B	2.87B	2.64B	2.41B	2.25B
ECS Total Common Shares Outstanding	3.06B	2.87B	2.64B	2.41B	2.25B
Book Value / Share	14.56	14.53	16.29	17.81	20.06
Tangible Book Value	45.3B	42.3B	42.25B	43.6B	46.4B
Tangible Book Value Per Share	12.77	12.49	13.93	15.4	17.29
Tangible Book Value Per Share (As Reported)	12.77	12.49	13.93	15.41	17.3
Average Assets	817B	863B	851B	861B	925B
Average Loans	432B	441B	436B	432B	449B
Total Debt	204B	208B	196B	218B	211B
Deposits at Interest - Cash	35.09B	39.63B	43.88B	34.28B	38.81B
Debt Equivalent of Unfunded Proj. Benefit Obligation	179M	118M	166M	101M	146M
Net Debt	-75.5B	-56.41B	-119B	-137B	-150B
Equity Method Investments, Total	2.15B	1.63B	966M	1.02B	1.43B
Full Time Employees	81.77K	83.08K	84.84K	80.95K	81.51K
Part Time Employees	187	189	162	199	378
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	4.25B	4.42B	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-1.16B	-1.18B	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.32B	2.95B	3.47B	4.05B	5.08B
Depreciation, Depletion & Amortization	712M	651M	445M	427M	481M
Amortization of Goodwill and Intangible Assets - (CF)	8M	4M	1M	4M	2M
Total Depreciation, Depletion & Amortization	720M	655M	446M	431M	483M
Amortization of Deferred Charges, Total	461M	531M	625M	695M	687M
(Gain) Loss On Sale of Asset - (CF)	-93M	-62M	-31M	187M	-375M
(Gain) Loss on Sale of Investments - (CF)	-170M	735M	355M	-551M	-687M
Total Asset Writedown	307M	-272M	-1.54B	-1.55B	-1.96B
Restructuring Activities	17M	38M	28M	-	2M
Provision for Credit Losses	254M	836M	508M	547M	672M
(Income) Loss On Equity Investments - (CF)	-196M	-156M	-141M	-108M	-62M
Stock-Based Compensation (CF)	167M	199M	219M	334M	399M
Change in Trading Asset Securities	8.82B	-1.98B	-16.42B	-57.76B	-2.04B
Change in Other Net Operating Assets (Collected)	-67.58B	19.48B	-13.94B	23.45B	-39.54B
Other Operating Activities	388M	1.48B	2.98B	2.54B	2.81B
Cash from Operations	-54.59B	24.43B	-23.44B	-27.74B	-34.53B
Capital Expenditure	-352M	-835M	-159M	-456M	-320M
Sale of Property, Plant, and Equipment	965M	422M	244M	109M	158M
Divestitures	-	-	-	74M	48M
Purchase / Sale of Intangible Assets	-989M	-1.1B	-1.12B	-948M	-1.03B
Investment in Marketable and Equity Securities, Total	-8.62B	-21.07B	16.85B	12.67B	-17.17B
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-9B	-22.58B	15.81B	11.45B	-18.32B
Long-Term Debt Issued, Total	12.08B	12.65B	15.28B	11.04B	11.58B
Total Debt Issued	12.08B	12.65B	15.28B	11.04B	11.58B
Long-Term Debt Repaid, Total	-10.77B	-9.96B	-8.86B	-12.91B	-11.74B
Total Debt Repaid	-10.77B	-9.96B	-8.86B	-12.91B	-11.74B
Issuance of Common Stock	2.74B	1.25B	26M	1.6B	2.04B
Repurchase of Common Stock	-1.79B	-2.47B	-3.22B	-3.25B	-4.23B
Common Dividends Paid	-718M	-721M	-917M	-1.13B	-1.38B
Preferred Dividends Paid	-66M	-73M	-103M	-107M	-99M
Common & Preferred Stock Dividends Paid	-784M	-794M	-1.02B	-1.24B	-1.48B
Net Increase (Decrease) in Deposit Accounts - (CF)	66.8B	-9.26B	17.88B	7.25B	71.37B
Other Financing Activities, Total	-1.21B	-1.46B	-1.62B	-1.87B	-2.32B
Cash from Financing	67.07B	-10.03B	18.46B	627M	65.22B
Foreign Exchange Rate Adjustments	-1.76B	-2.71B	-796M	-2.04B	2.62B
Net Change in Cash	1.73B	-10.89B	10.04B	-17.71B	14.99B
Supplemental Items
Cash Interest Paid	3.59B	6.2B	20.09B	23.66B	20.89B
Cash Income Tax Paid (Refund)	1.16B	821M	1.37B	2.04B	1.8B
Net Debt Issued / Repaid	1.31B	2.7B	6.41B	-1.86B	-160M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.29	0.35	0.42	0.48	0.58
Return On Equity %	4.48	5.65	6.9	7.95	9.63
Return on Common Equity	3.82	5.15	6.24	7.34	8.94
Shareholders Value Added	-3.45B	-2.91B	-2.26B	-1.71B	-968M
Margin Analysis
SG&A Margin	74.95	71.41	68.82	64.87	65.11
Net Interest Income / Total Revenues %	48.08	50.05	46.71	33.53	29.38
EBT Excl. Non-Recurring Items Margin %	26.44	29.62	32.03	35.7	35.2
Income From Continuing Operations Margin %	16.36	19.13	20.82	21.29	25.15
Net Income Margin %	16.37	19.43	20.86	21.33	25.09
Net Avail. For Common Margin %	13.47	16.79	18.14	18.92	22.49
Normalized Net Income Margin	16.54	18.82	20.06	22.35	21.94
Asset quality
Nonperforming Loans / Total Loans %	2.57	2.53	2.55	2.15	1.98
Nonperforming Loans / Total Assets %	0.98	0.96	0.88	0.73	0.65
Nonperforming Assets / Total Assets %	0.98	0.96	0.88	0.73	0.65
NPAs / Loans and OREO	2.57	2.54	2.55	2.15	1.98
NPAs / Equity	15.4	15.71	14.39	12.14	10.93
Allowance for Credit Losses / Net Charge-offs %	612.84	836.28	687.04	501.53	295.93
Allowance for Credit Losses / Nonperforming Loans %	70.18	69.93	71.86	79.32	68.33
Allowance for Credit Losses / Total Loans %	1.8	1.77	1.83	1.7	1.36
Net Charge-offs / Total Average Loans %	0.21	0.15	0.17	0.23	0.31
Provision for Loan Losses / Net Charge-offs %	28.37	127.74	69.84	56.78	49.09
Earning Assets / IBL	108.46	107.62	105.95	99.92	94.68
Interest Income / Average Assets	1.25	1.77	3.2	3.24	2.66
Interest Expense / Average Assets	0.42	0.89	2.29	2.5	2.01
Net Interest Income / Average Assets	0.83	0.88	0.91	0.74	0.64
Non Interest Income / Average Assets	0.93	0.98	1.1	1.53	1.62
Non Interest Expense / Average Asset	1.27	1.24	1.33	1.42	1.42
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.16	6	5.88	5.85	5.77
Total Average Equity / Total Average Assets %	6.39	6.23	6.11	6.08	5.98
Total Equity + Allowance for Loan Losses / Total Loans %	18.38	17.81	19.44	19.3	19.37
Gross Loans / Total Deposits %	61.2	61.53	54.92	56.31	51.56
Net Loans / Total Deposits %	60.1	60.44	53.91	55.35	50.86
Tier 1 Capital Ratio %	16.6	16.6	16.3	16.9	17
Total Capital Ratio %	21.3	21.7	21.2	21.5	20.6
Core Tier 1 Capital Ratio	14.1	14	14.1	14.2	14.1
Tier 2 Capital Ratio	4.61	5.11	4.89	4.62	3.6
Coverage Ratio	70.18	69.93	71.86	79.32	68.33
Interbank Ratio	138.75	131.64	155.32	165.69	134.04
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.97	1.56	1.26	1.28	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.79	11.69	2.32	-18.06	-6.46
Non Interest Income, 1 Yr. Growth %	-3.78	10.71	11.56	40.33	13.74
Provision For Loan Losses, 1 Yr. Growth %	-88.54	218.63	-36.84	5.49	21.36
Total Revenues, 1 Yr. Growth %	13.47	7.31	9.6	14.16	6.74
Earnings From Cont. Operations, 1 Yr. Growth %	207.99	25.46	19.3	16.75	26.1
Net Income, 1 Yr. Growth %	219.75	27.34	17.67	16.75	25.56
Normalized Net Income, 1 Yr. Growth %	58.07	22.09	16.82	27.21	4.76
Diluted EPS Before Extra, 1 Yr. Growth %	486.41	39.57	25.98	29.66	37.69
Dividend Per Share, 1 Yr. Growth %	33.33	50	50	37.04	64.86
Gross Loans, 1 Yr. Growth %	3.81	-1.81	-3.97	1.92	3.92
Allowance For Loan Losses, 1 Yr. Growth %	-14.31	-3.43	-5.32	-5.28	-17.17
Net Loans, 1 Yr. Growth %	4.22	-1.78	-3.95	2.06	4.28
Non Performing Loans, 1 Yr. Growth %	-12.14	-3.09	-7.86	-14.18	-3.85
Non Performing Assets, 1 Yr. Growth %	-12.24	-3.05	-7.83	-14.05	-4.22
Total Assets, 1 Yr. Growth %	4.91	-0.95	0.36	3.26	8.27
Total Deposits, 1 Yr Growth %	7.4	-2.33	2.65	-0.59	13.47
Tangible Book Value, 1 Yr. Growth %	3.31	-6.62	-0.13	3.21	6.4
Average Interest Earning Assets, 1 Yr. Growth %	6.28	1.07	1.26	-5.8	2.15
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.89	1.86	2.86	-0.1	7.8
Common Equity, 1 Yr. Growth %	3.8	-5.12	0.6	1.93	6.54
Total Equity, 1 Yr. Growth %	3.76	-4.98	0.67	1.85	6.44
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.84	5.27	6.9	-8.44	-12.45
Non Interest Income, 2 Yr. CAGR %	-0.95	3.21	11.13	25.12	26.34
Provision For Loan Losses, 2 Yr. CAGR %	-46.12	-39.56	41.69	-18.37	13.15
Total Revenues, 2 Yr. CAGR %	-1.29	10.35	8.46	11.86	10.39
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.58	96.58	22.34	18.02	21.34
Net Income, 2 Yr. CAGR %	0.26	101.79	22.41	17.21	21.07
Normalized Net Income, 2 Yr. CAGR %	-3.17	38.92	19.45	21.9	15.44
Diluted EPS Before Extra, 2 Yr. CAGR %	3.49	186.09	32.6	27.81	33.62
Dividend Per Share, 2 Yr. CAGR %	30.93	41.42	50	43.37	50.31
Gross Loans, 2 Yr. CAGR %	1.93	0.96	-5.15	-1.07	2.92
Allowance For Loan Losses, 2 Yr. CAGR %	-0.96	-9.04	-4.38	-5.3	-11.42
Net Loans, 2 Yr. CAGR %	1.99	1.17	-5.16	-0.99	3.16
Non Performing Loans, 2 Yr. CAGR %	4.6	-7.73	-5.51	-11.08	-9.16
Non Performing Assets, 2 Yr. CAGR %	4.42	-7.76	-5.47	-10.99	-9.27
Total Assets, 2 Yr. CAGR %	7.2	1.94	-0.3	1.8	5.74
Total Deposits, 2 Yr CAGR %	7.98	2.42	0.13	1.02	6.21
Tangible Book Value, 2 Yr. CAGR %	1.97	-1.78	-3.43	1.53	4.79
Average Interest Earning Assets, 2 Yr. CAGR %	6.33	3.64	1.17	-2.33	-1.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.71	4.83	2.36	1.36	3.77
Common Equity, 2 Yr. CAGR %	1.94	-0.76	-2.3	1.26	4.21
Total Equity, 2 Yr. CAGR %	1.93	-0.71	-2.19	1.26	4.12
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.46	-0.32	4.28	-2.16	-7.78
Non Interest Income, 3 Yr. CAGR %	3.16	2.79	5.92	20.12	21.2
Provision For Loan Losses, 3 Yr. CAGR %	-29.17	-2.57	-38.72	28.42	-6.84
Total Revenues, 3 Yr. CAGR %	0.38	1.5	10.1	10.33	10.13
Earnings From Cont. Operations, 3 Yr. CAGR %	27.77	7.44	66.43	20.45	20.65
Net Income, 3 Yr. CAGR %	29.99	8.58	68.59	20.49	19.93
Normalized Net Income, 3 Yr. CAGR %	12.34	4.61	31.14	21.98	15.9
Diluted EPS Before Extra, 3 Yr. CAGR %	48.35	14.34	117.65	31.61	31.02
Dividend Per Share, 3 Yr. CAGR %	-17.02	37	44.22	45.55	50.21
Gross Loans, 3 Yr. CAGR %	3.19	0.67	-2.25	-2.85	0.57
Allowance For Loan Losses, 3 Yr. CAGR %	-4.06	-1.79	-7.81	-4.68	-9.44
Net Loans, 3 Yr. CAGR %	3.34	0.71	-2.13	-2.81	0.74
Non Performing Loans, 3 Yr. CAGR %	-1.44	1.97	-7.77	-8.49	-8.73
Non Performing Assets, 3 Yr. CAGR %	-1.46	1.87	-7.78	-8.42	-8.79
Total Assets, 3 Yr. CAGR %	6.32	4.41	1.41	0.87	3.91
Total Deposits, 3 Yr CAGR %	6.4	4.42	2.5	-0.11	5.01
Tangible Book Value, 3 Yr. CAGR %	1.34	-0.97	-1.23	-1.26	3.13
Average Interest Earning Assets, 3 Yr. CAGR %	5.52	4.55	2.84	-1.21	-0.86
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.24	5.72	4.17	1.53	3.47
Common Equity, 3 Yr. CAGR %	1.48	-0.47	-0.31	-0.91	2.99
Total Equity, 3 Yr. CAGR %	1.49	-0.43	-0.25	-0.86	2.96
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.7	-1.48	-0.07	-3.65	-2.77
Non Interest Income, 5 Yr. CAGR %	4.97	6.21	6.28	11.2	13.66
Provision For Loan Losses, 5 Yr. CAGR %	-35.64	-6.93	-6.53	-9.27	-21.68
Total Revenues, 5 Yr. CAGR %	4.44	2.81	3.53	5.52	10.22
Earnings From Cont. Operations, 5 Yr. CAGR %	64.68	18.01	25.57	11.55	46.67
Net Income, 5 Yr. CAGR %	56.45	19.32	26.9	11.95	47.68
Normalized Net Income, 5 Yr. CAGR %	24	8.29	15.13	11.22	24.62
Diluted EPS Before Extra, 5 Yr. CAGR %	32.98	29.33	41.84	19.54	79.06
Dividend Per Share, 5 Yr. CAGR %	-	10.35	5.15	39.51	46.63
Gross Loans, 5 Yr. CAGR %	3.57	1.59	-0.23	-0.96	-0.22
Allowance For Loan Losses, 5 Yr. CAGR %	-2.71	-0.79	-4.19	-3.21	-9.28
Net Loans, 5 Yr. CAGR %	3.71	1.63	-0.15	-0.92	-0.05
Non Performing Loans, 5 Yr. CAGR %	-3.53	-2	-3.08	-3.46	-8.33
Non Performing Assets, 5 Yr. CAGR %	-3.6	-2.02	-3.08	-3.48	-8.38
Total Assets, 5 Yr. CAGR %	5.06	4.32	3.62	3.36	3.12
Total Deposits, 5 Yr CAGR %	6.38	4.31	3.84	3.05	3.97
Tangible Book Value, 5 Yr. CAGR %	0.76	-1.85	-0.6	0.02	1.14
Average Interest Earning Assets, 5 Yr. CAGR %	1.92	1.39	3.76	1.74	0.92
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.74	2.02	4.67	3.96	4.01
Common Equity, 5 Yr. CAGR %	0.99	-1.31	-0.05	0.22	1.48
Total Equity, 5 Yr. CAGR %	1.58	-0.7	0	0.24	1.48